With the fresh new year, thoughts of course turn to planning for what might be coming over the horizon over the course of the next 12 months.
For the buy-to-let market certainly, there have been some significant ups and downs, particularly for landlord borrowers who have had deals ending in the last few months, and indeed who are looking at what finance they can secure in the future, from both a purchase and remortgage perspective.
It will be obvious to all that we had an interest rate ‘breakout’ during 2022 and, while the short-term outlook is much better than it was post-‘Mini Budget’, it is still likely to mean borrowers paying more for their mortgages, and viewing products with a different price range than they have been used to in the last few years.